Best Ames Bank for Students

Discussion in 'Off-Topic' started by OPCyclone, Jul 13, 2020.

  1. OPCyclone

    OPCyclone New Member

    Dec 4, 2008
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    My son is planning to start at ISU this Fall. My work credit union (free account where he banks at) does not have any ATMs in the Ames area that are "fee" free.

    Recommendations for the most handy, low charge, banking account that has handy ATM locations for students in Ames? Or is there a national chain that would work well and has a good presence in Ames with available ATMs?

    It has been forever that I looked into banks as I have been using the same one for 27 years....maybe an "online" bank is better - but that is really out of my understanding....

    Thank you in advance!

    Mike
     
  2. CycloneDaddy

    CycloneDaddy Well-Known Member

    Sep 24, 2006
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    Midwest Heritage Bank is located in the East Hy Vee and open on Sundays. Could do shopping, banking and Cyclone Liquor all in 1 trip.
     
  3. BCClone

    BCClone Well-Known Member

    Sep 4, 2011
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    Most kids don't carry cash, they use a debit card or cycash. Just get one through your local bank and slip him 20 bucks when he goes.
     
  4. Isualum13

    Isualum13 Well-Known Member

    Apr 27, 2018
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    #4 Isualum13, Jul 13, 2020
    Last edited: Jul 13, 2020
    I dont know about how the checking accounts work there or any fees associated, but if you bank with US Bank then your student ID can double as a debit card.

    The best option may be to just get cash back when getting groceries or a snack at a gas station and continue to use your current bank.
     
  5. bozclone

    bozclone Well-Known Member

    Nov 18, 2011
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    #5 bozclone, Jul 13, 2020
    Last edited: Jul 13, 2020
    US bank is the way to go. ATMs in the library, the Union and other locations on campus. There is a bank branch with ATMs in campus town and one in downtown Ames.

    As mentioned above US Bank can link your son’s student ID to the account and he can use it as an ATM card.

    They have an decent app for your phone too.

    Both my kids use US Bank and it has worked well.
     
    • Agree Agree x 1
  6. Sousaclone

    Sousaclone Active Member

    Apr 29, 2006
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    I used US Bank when I was there. There was a branch just down the street from my parents house so if I needed money for something they could put it in.

    One of my roommates simply used cashback at stores as his ATM. Several times we'd have to stop at Hy-Vee or somewhere so he could spend $1 on a candy bar and then get like $60 cash back
     
  7. SCNCY

    SCNCY Well-Known Member

    Sep 11, 2009
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    Another vote for US bank. I still use the account over 15 years later as my main checking account. If I remember, they have no fee checking for students and will use your student ID number for your account login. My login to my online account is still my student ID.

    They have ATMs all around the university and town, plus the bank branch across the street from Friley is nice if you need to use it.
     
  8. jdcyclone19

    jdcyclone19 Well-Known Member

    Apr 14, 2017
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    Big Bank = US Bank
    Local = Greater Iowa Credit Union.
     
    • Agree Agree x 1
    • Disagree Disagree x 1
  9. cyfan92

    cyfan92 Well-Known Member

    Sep 20, 2011
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    Is your credit union on the Shazam network? If so. Almost any credit union atm will be free to use. Im a member at Veridian and I use all sorts of other credit union ATM's for free
     
  10. CyCrazy

    CyCrazy Well-Known Member

    Dec 17, 2008
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    US Bank sucks balls along with any other major bank. I use Vision Bank but would also go with Greater Iowa Credit Union,
     
    • Winner Winner x 1
  11. dahliaclone

    dahliaclone Well-Known Member

    Mar 4, 2007
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    Vision Bank for the win
     
  12. AlaCyclone

    AlaCyclone Well-Known Member

    Jun 14, 2007
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    Hickory Park!

    Oh, wrong thread.

    Go with a Credit Union.
     
  13. IcSyU

    IcSyU Well-Known Member

    Nov 27, 2007
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    Keep current account...use cash back at stores.
     
  14. Cyclone06

    Cyclone06 Well-Known Member

    Apr 11, 2006
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    Cash? Just use Venmo
     
  15. gocy444

    gocy444 Well-Known Member

    Dec 15, 2008
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    Ames, IA
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    My freshman year of college I showed up to the dorms with $150 to my name that I stashed in my sock drawer. It’s kindve mind boggling how poor college kids are but still scrape by.
     

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